The Sub-Saharan African SME financing gap is estimated at roughly US$331 billion a year, and only 20–30% of MSMEs in the region can access formal credit — even though they're estimated to drive the large majority of regional employment. The reason cited consistently by the World Bank, IFC and AfDB is the same one Cirqco hears directly from operators: informal businesses keep no audited records, so lenders can't tell a real operation from a risk they can't price.
Young entrepreneurs carry the sharpest version of this problem — no credit history, no collateral, and often no formal registration yet. A boda fleet operator, a farming cooperative, a youth-led NGO: the work is real, but the record of it usually isn't.
My Village exists to close that specific gap. One identity, one ledger, one audit trail under every module, so ordinary operating history becomes evidence a lender, donor, or regulator can actually read. That's the Trust Score — not a score built on collateral, but one built on doing the work and having it on record.